Ezmyloans || Loans

Gold Loan

Gold is a great asset that brings certainty and stability, so why not put it to work for you? A Gold Loan is a simple solution with minimal documentation and speedy disbursement. A Loan against Gold can be obtained at any moment. Our flexible repayment terms and alternatives keep your monthly outgoings within your budget.

You can easily qualify for a gold loan if you are of acceptable age and your gold jewelry is at least 22 carats. Because you are giving your gold holdings as collateral, you do not need a strong CIBIL score to apply for this loan. You can only use gold jewelry as collateral for this loan.

Ezmy Loans is well-known for providing the best gold loans in India at the lowest interest rates. We provide many gold loan schemes from which you may choose based on your needs. Each scheme has its own set of benefits and caters to different sorts and needs of our consumers.

Low Initial Payment

Enticing EMI

Instant Acceptance

No guarantor

Used Vehicle Loans

Refinance Existing Loans

Eligibility Criteria

Profession:
- Farmer
- Trader
- Salaried / Self-Employed Professional
- Businessman
Eligible Age: 18 to 75 years

Gold Loan Benefits

Less Paperwork to Process: Gold loans require minimal documentation — typically just an identity proof — making them quick to process, often within a few hours.
Ease: A gold loan is extremely convenient. The borrower simply pledges gold to the loan provider, and can receive up to 80% of the gold’s market value almost immediately.
No Income or Salary Criteria: Unlike other loans, gold loans do not require proof of income or salary. Even unemployed individuals can avail of a gold loan by pledging their gold as security.

Documents Required

Driving License
Voter ID Card
Aadhaar Card
PAN Card
KYC Documents
Passport

FAQs

Got questions? Our FAQs have answers and a sprinkle of humor. Dive in and discover more!

1. When is the best time to apply for a Gold Loan?

When you need funds for a specified end-use reason, you can request for a Loan against Gold.

2. What if a Gold Loan is not repaid?

In the event of a Gold Loan non-payment, the bank begins by sending EMI payment reminders through email and text to the borrower. After a specific period, various penalties or interest rates are charged on the Gold Loan amount. If the Gold Loan sum is not paid despite repeated follow-ups within the time frame specified by the bank, the bank will sell or auction the gold jewelry to repay the loan amount.

3. Can I prepay or foreclose on my Gold Loan?

Yes, you can prepay or foreclose on your Gold Loan. However, some fees would be levied.

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